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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $119,999 | $86,940+38.0% | $102,434+17.1% | $80,935+48.3% |
| Participation rate | 92.5% | 72.4%+20.1pp | 76.5%+15.9pp | 67.7%+24.8pp |
| Annual return | 11.80% | 18.89%-7.1pp | 29.46%-17.7pp | 35.66%-23.9pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $9,536 | $4,121+131.4% | $5,055+88.7% | $4,299+121.8% |
| Admin fee / account holder | $8,819 | $8,047+9.6% | $9,462-6.8% | $6,924+27.4% |